Chapter 1949 Discussion

"The biggest shortcoming of today's five major state-owned commercial banks is that they are too timid to lend to these private companies." Yin Jun said, "They always feel that small factories worth 300,000, 500,000, or 1 million are too weak. Once they go bankrupt, , it is easy to not get the funds back. But in fact, people who really want to start a career don’t have so many bad intentions at all.

Now that our country is reforming and opening up, there are constantly people who are willing to take new paths. For these private companies, we should actively support them and let them become a supplement to the main economy! How to support it? In addition to taxes and preferential conditions, isn’t the provision of various funds the best support? "

Zhu Pingfan nodded when he heard this, "Eastern Guangdong has always had a tradition of doing business, and its conduct has been good from ancient times to the present. Although we need to be cautious about this loan, Mr. Yin, you also said it very well. If we don't have large-scale support, How dare they develop their own businesses? As a supplement to the public economy, we need to support them!"

The young man smiled unconsciously.

We still advocate "supplementing the public economy" now, but in a decade or so we will know that these private enterprises will drive countless state-owned factories to death.

Thirty years later, except for a limited number of industries, all economic entities are already dominated by private joint-stock companies.

It's just that everyone hasn't noticed the burst of enthusiasm yet, and they don't know how much miracles this energy can create.

"But lending to small factories and small businesses like this still requires a high bad debt rate!" Rui Chengzhi, who was next to him, couldn't help but remind him, "Our current funds are not very abundant. If we let go When they come to apply, how much is enough?”

"That's a problem." Zhu Pingfan nodded slightly, "We can ask professionals to take a look at the specific aspects... By the way, Mr. Yin, do you have any suggestions?"

"Mr. Zhu, you are right. It is best to let professional people do professional things." Yin Jun said with a smile, "I don't understand banking matters, but if it is a commercial banking problem, Xiangjiang There are many Chinese banks here, maybe you can ask them for advice. For example, Mr. Chen from Pangu Bank is one of the best candidates."

"Yes, I understand." Zhu Pingfan nodded and smiled.

He admired Yin Jun's attitude very much.

If you understand, you understand. If you don't understand, you won't go beyond it at all.

As for Mr. Chen of Pangu Bank proposed by Yin Jun, he happens to be Zhu Pingfan's good friend. The two have had a good relationship over the past few years.

Therefore, Zhu Pingfan knew deeply how powerful and experienced Chen Bicheng was.

"As for the bad debt rate, I don't think you need to worry about it." Yin Jun continued, "As long as the reviewers are professional enough and have a strict supervision system, the bad debt rate will not be high... The most feared thing is self-stealing and extreme dishonesty. major."

The young man was not lying.

In the future, no major commercial bank, including China Merchants Bank, will have a bad debt ratio lower than 20%, and the highest one can almost scare people to death.

But before the opening of network licenses, there were only two small local banks - Jiangnan Tailong Commercial Bank and Jiangnan Taizhou Bank. They targeted loans to small and medium-sized enterprises, and most of them did not have any collateral. Good quality, but the bad debt rate is only 5%!

Ordinary China Agricultural, Industrial and Commercial Bank of China, you can't lend a penny without collateral.

But these two banks, which do not require collateral, are able to create such good profits and ultra-low bad debt rates, has nothing to do with their scale, strength, or background.

The factor that goes straight to the core is obviously the difference between the two parties in loan approval.

Yin Jun didn't know exactly how they did it, but such a successful experience could certainly be replicated.

Not to mention that people today are still much simpler than people 30 years later.

For people doing business in eastern Guangdong, as long as they do business near their hometown, there are definitely very few who really want to ruin it - they have a very strong sense of rural people here, and it is absolutely impossible to do business in their hometown unless they have to. Such shame in front of my parents.

In fact, it’s not just eastern Guangdong. Chinese people have a strong sense of family and hometown since ancient times.

Except for a very small number of people, no matter how cruel and shameless they are, they generally cannot lose face in front of their relatives and friends who have watched them grow up.

The only difference is that people in other places are not good at doing business. Many people make losses when doing business and have no way to repay the money, so they can only run away from debt.

People in eastern Guangdong and Jiangnan were good at doing business thousands of years ago, so as long as they have the ability to do business, most of them will be able to make money.

Now that they can make money, why should they worry about repaying the loan?

This creates a virtuous cycle and forms an overall industrial chain for the region.

Therefore, when it comes to commercial banks for small and medium-sized enterprises, Yin Jun can propose to do it in eastern Guangdong and Jiangnan, but it is absolutely impossible to do it in Qianzhou and Dunhuang now. This is the reason.

Of course, neither of the two bosses could believe what Yin Jun was saying now.

They didn't know that what Yin Jun was talking about was successful experience. They just thought it was Xiangjiang's successful experience.

There is absolutely no way that Xiangjiang is the same as the mainland. Therefore, Xiangjiang’s successful experience can only be used as a reference, and it is absolutely impossible to copy it.

"We will actively handle the bank's affairs and provide them with more financial guarantees." Zhu Pingfan said calmly, "In addition, I wonder what Mr. Yin thinks about the number of employees?"

Number of employees?

Yin Jun suddenly understood.

This is the famous "seven ups and eight downs".

According to the theory of Mr. Ma from Germany, it is okay to hire seven people to do work, but exceeding this number will cause great unrest and move closer to the Western world.

But facts have proven that if we apply it mechanically, China's economy will be destroyed immediately.

The so-called number of employees cannot exceed 7 people simply does not meet the actual needs of social development.

From now on, China's factories employed tens of thousands of people, and no big problems were seen.

On the contrary, due to the centralized use of personnel, our products have better quality, lower costs, and more convenient flow of various materials, making China's manufacturing popular all over the world.

However, Yin Jun will never participate in this matter.

Because in this day and age, this question is not funny at all, but is a major focus of debate.

Specifically, it will not be until three to five years later that the above restrictions will be quietly relaxed, and it will not be until 1992 that the restrictions will be completely relaxed.

Although the eastern Guangdong side is the most radical and has secretly set up factories with dozens of people in the past few years, they never publicly announce or discuss it, but only do things quietly.

The higher-ups knew about this.

But whether it is Mr. Yun, Mr. Xiao, or those stubborn old people, they all regard this place as a test field to see how they deal with it and what consequences it will have.

However, there is one thing. They absolutely cannot relax employment restrictions on a large scale. It is impossible to open hundreds or thousands of factories everywhere.

This is where Zhu Pingfan is troubled.

In terms of public-owned enterprises and factories alone, eastern Guangdong will never be as good as those three provinces in the Northeast. There are factories with tens of thousands to hundreds of thousands of people there, and 80% of the country's heavy industry is there. Eastern Guangdong is simply not as good as Not on.

The factories developing light industry in eastern Guangdong are not as good as those in Shanghai and Hainan in the Yangtze River Delta.

Since more than 100 years ago, Shanghai and Hainan have been the darling of the country. Most of China's light industrial factories are in Shanghai and its three surrounding provinces. Compared with them, eastern Guangdong has no advantage at all.

Only by developing such small and fast privately-owned factories can eastern Guangdong bloom everywhere and develop rapidly like Xiangjiang and Baodao, surpassing all provinces in the country.

Compared with the scale of factories with dozens or dozens of people, it's no wonder Zhu Pingfan is impatient.

"I'm from Xiangjiang. It's not suitable for me to comment on this kind of matter. Only when the superiors unify their ideas can Eastern Guangdong be freed." Yin Jun understood what Zhu Pingfan meant, but he also expressed his refusal.

Zhu Pingfan could only smile bitterly when he heard this.

Yin Jun is a smart man and maintains a very transcendent status.

Originally, Zhu Pingfan wanted Yin Jun to talk to him. As the richest man in the world and the future commander-in-chief of the Chinese people, he might be able to open up some constraints for eastern Guangdong.

Unexpectedly, Yin Jun opened his mouth and refused, indicating that he was unwilling to get involved.

Zhu Pingfan also understands this very well.

After all, Yin Jun is just a businessman, not a person who wants to develop in the political arena.

There was no reason for him to talk to Hua Jing on such a sensitive issue.

Because he is a Xiangjiang businessman himself, he will be allowed to hire no matter how many people he hires in the mainland, and the superiors are eager for him to hire as many as possible.

So all this fussing up and down had no impact on him at all.

Zhu Pingfan sighed, but Rui Chengzhi interjected: "Mr. Yin, what do you think we lack in eastern Guangdong, so that many companies in Xiangjiang have not come to open factories? Whether it’s preferential conditions, geographical location, labor costs, etc., we have great advantages!”

"Who said there is a shortage of things?" Yin Jun said, "Aren't we all here? The target of the instant noodle factory is the people of all Southeast Asia. Let alone 10,000 workers, 30,000 to 50,000 will definitely not be too many in the future."

"We have 50 million people in eastern Guangdong!" Zhu Pingfan said, "Coupled with the continuous influx of migrant workers, we need at least 500 such factories to be considered barely adequate."

He was telling the truth.

In the next 30 years, the number of mainlanders coming to work in eastern Guangdong will exceed 30 million every year, bringing a large number of labor forces to eastern Guangdong and contributing greatly to the economic development of eastern Guangdong.

Therefore, the total number of workers actually exceeds 50 million. For a factory with 30,000 to 50,000 workers, 500 can only barely meet the standard.